<TABLE> <S> <C>


<ARTICLE>                                   9
<MULTIPLIER>                                1,000
       
<S>                                         <C>
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998   
<PERIOD-START>                                 JAN-01-1998   
<PERIOD-END>                                   SEP-30-1998   
<CASH>                                               2,852   
<INT-BEARING-DEPOSITS>                               6,088   
<FED-FUNDS-SOLD>                                     1,691   
<TRADING-ASSETS>                                     7,877   
<INVESTMENTS-HELD-FOR-SALE>                         20,826   
<INVESTMENTS-CARRYING>                               4,077   
<INVESTMENTS-MARKET>                                 4,111   
<LOANS>                                             59,993   
<ALLOWANCE>                                          1,861   
<TOTAL-ASSETS>                                     110,005   
<DEPOSITS>                                          95,414   
<SHORT-TERM>                                             0   
<LIABILITIES-OTHER>                                  1,460   
<LONG-TERM>                                          1,098   
<PREFERRED-MANDATORY>                                    0   
<PREFERRED>                                             16   
<COMMON>                                                20   
<OTHER-SE>                                          11,997   
<TOTAL-LIABILITIES-AND-EQUITY>                     110,005   
<INTEREST-LOAN>                                      4,104   
<INTEREST-INVEST>                                    1,260   
<INTEREST-OTHER>                                       264   
<INTEREST-TOTAL>                                     5,628   
<INTEREST-DEPOSIT>                                   2,662   
<INTEREST-EXPENSE>                                   2,734   
<INTEREST-INCOME-NET>                                2,894   
<LOAN-LOSSES>                                          225   
<SECURITIES-GAINS>                                  (1,610)  
<EXPENSE-OTHER>                                      3,110   
<INCOME-PRETAX>                                     (1,495)  
<INCOME-PRE-EXTRAORDINARY>                          (1,495)  
<EXTRAORDINARY>                                          0   
<CHANGES>                                                0   
<NET-INCOME>                                        (1,495)  
<EPS-PRIMARY>                                        (0.89)  
<EPS-DILUTED>                                        (0.89)  
<YIELD-ACTUAL>                                        4.03   
<LOANS-NON>                                          2,580   
<LOANS-PAST>                                         1,415   
<LOANS-TROUBLED>                                       137   
<LOANS-PROBLEM>                                          0   
<ALLOWANCE-OPEN>                                     1,586   
<CHARGE-OFFS>                                          418   
<RECOVERIES>                                           468   
<ALLOWANCE-CLOSE>                                    1,861   
<ALLOWANCE-DOMESTIC>                                   824   
<ALLOWANCE-FOREIGN>                                      0   
<ALLOWANCE-UNALLOCATED>                              1,037   
                                              


</TABLE>